Taxation
The rules everyone has to work with — and the levers that matter most.
Tax touches every financial decision, but most people only need to understand a handful of moving parts: how income is taxed, how gains are taxed, how dividends and interest are treated, and the small number of allowances that quietly disappear every 5 April if you don't use them. This topic covers those, plus the two cliff edges that catch people who don't think of themselves as high earners.
Bands, allowances, National Insurance, and why your marginal rate is rarely the rate you think.
Between £100,000 and £125,140, every extra pound is taxed at an effective 60%. Here's why, and what to do.
Why you should claim Child Benefit even if it gets clawed back, and how the charge actually works.
What's taxed, what isn't, the rates, and the reliefs most people never use.
Your main home is usually exempt. Everything else has a 60-day clock attached.
Interest and dividends have their own rates and their own allowances. Both have shrunk.
A handful of allowances reset every 5 April. Unused, they're simply gone.
The short version — and where to find the full treatment.